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okay okay good morning everybody Welcome to the benefits trust my name is Robert Crowder Im the president and founder of the benefits trust weve been around since 1994 so quite a while I used to have hair back then uh soar is laughing because she remembers way back when uh but anyways uh uh weve been around since January 1st 1994. were a full service third party benefit Administration company and we work with you the professional advisor we work with you by helping you sell your end you or your end uh use your clients your clients uh creative benefit Solutions um today were were putting together the zoom cast and and this is part of a fall zoomcast series that were doing uh weve done this for some time uh over the last couple of years especially during open so weve done it in the zoomcast format as opposed to live seminars uh but the the whole vision of this the whole idea of this is is to be in a room not but the smartest person in the room but be in a room where everybody g